The network TIAVO aims to promote a mutualist movement while offering financial services of savings and loans to the population which has no access to such services, in particular the rural poor and small farmers. TIAVO was created in 1995 when WOCCU which set up in Fianarantsoa recruited and trained the required staff. It also focused on awareness-raising and creating the first savings and loan groups. WOCCU left in 1998 and IRAM took over management in 2000.